The answer is True for sure.
B: removal of criminal charges
Answer:
Banks needed a source of emergency reserves to prevent the panics and resulting runs from driving them out of business. A particularly severe panic in 1907 resulted in bank runs that wreaked havoc on the fragile banking system and ultimately led Congress in 1913 to write the Federal Reserve Act.
Answer: I would have to say the first one. Because saying that I live in Nevada, I know that they had to build to the Rocky Mountains, and the Sierra Nevada's.